Referrals are one of the most important sales channels for BARMER Krankenversicherung. However, the previous process was not ideal: cash premiums and occasional vouchers were the only options, the referral website was not flexibly customizable and therefore did not always correspond to BARMER's corporate identity (CI). There was also a lack of transparency and data sovereignty. The performance of the old system was also inadequate. Goldmarie & Friends' task was therefore to develop and implement a new, tailor-made customer referral program.
The new, innovative program contains significant new features, such as
- Incentivizing every referral with 25.00 euros (converted into points: 2,500 points)
- Individual rewards store with non-cash rewards and cashout option
- Automated cashout function via finAPI
- APIs for confirming recommendations and reporting all transactions to BAR-MER
- Comprehensive reporting and manual administration options
- Manual input options for hand-filled recommendation forms
During the project, BARMER had to comply with strict legal requirements as a health insurance company. It was also important to integrate a secure, automated cash payment process via finAPI - including an IBAN validity check. An interface enables BARMER employees to independently generate referral codes and create participant accounts.
Advantages for customers
The CHP program is intended for both customers and non-customers and offers numerous advantages:
- Flexibility and security thanks to a fully integrated platform on the bar-mer.de website, whereby the CI is precisely adhered to.
- Automatic processing of customer recommendations as well as automated status adjustment and crediting of points upon conclusion of the contract.
- Extensive redemption options in an individual rewards shop
- Secure and streamlined cashout process
- Full data sovereignty over transactions
- Individual campaign implementation thanks to versatile customization options
- Multilingualism and accessibility
With this innovative program, BARMER is strengthening its position in the market and offering its policyholders a modern and flexible way to receive premiums through referrals. The aim is to attract new customers in a targeted manner. The program also contributes to the appreciation of existing customers and strengthens their loyalty by rewarding their recommendations.